| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $72K | $72K | $144K | 7.03% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $38K | — | $38K | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 1825 BARRETT LAKES BLVD KENNESAW, GA 301440000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| JIMMY MESSICK JR3 Filed as: JIMMY C MESSICK JR | 2611 BLALOCK CIR PHENIC CITY, AL 36867 | AFLAC | $689 | $61 | $750 | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AFLAC | $446 | — | $446 | 1.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 333 S GARLAND AVE STE 1600 ORLANDO, FL 32801 | AFLAC | $321 | — | $321 | 0.91% |
| RICHARD CARTER SR3 Filed as: RICHARD K CARTER SR | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $260 | $10 | $270 | 0.77% |
| ANDREW AARON O SHIELDS3 | 223 EDGEWOOD DR ELLAVILLE, GA 31808 | AFLAC | $260 | — | $260 | 0.74% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $163 | — | $163 | 0.46% |
| GRANT WELDON CARTER3 | 165 MORTON HOLW FORTSON, GA 31808 | AFLAC | $105 | $10 | $115 | 0.33% |
| KIMBERLY M FUTCH3 | 415 PALM ST S STEINHATCHEE, FL 32359 | AFLAC | $105 | — | $105 | 0.30% |
| LISA MALLOY3 Filed as: LISA M MALLOY | 3811 BI SPRING DRG PHENIX, AL 36870 | AFLAC | $78 | — | $78 | 0.22% |
| FRANK RONALD GRIFFIN JR (CHIP)3 | 8601 GARRETT RD MIDLAND, GA 31820 | AFLAC | $67 | — | $67 | 0.19% |
| CW MCDANIEL INC3 | 5010 HAWKS RIDGE DR COLUMBUS, GA 31904 | AFLAC | $55 | — | $55 | 0.16% |
| EILEEN MARIE STILLWELL3 | 3252 MARICOPA DR COLUMBUS, GA 31907 | AFLAC | $53 | — | $53 | 0.15% |
| LISA MCDANIEL3 Filed as: LISA F MCDANIEL | 5010 HAWKS RIDGE DR COLUMBUS, GA 31904 | AFLAC | $46 | — | $46 | 0.13% |
| JOHN E CARTER III3 Filed as: JOHN MICHAEL HARFORD | 7015 FELDSPAR CT COLUMBUS, GA 31804 | AFLAC | $39 | — | $39 | 0.11% |
| BRENDA WALTON HALL3 | 71 FOX GLOVE CT CATAULA, GA 31804 | AFLAC | $37 | — | $37 | 0.11% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $36 | — | $36 | 0.10% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $27 | — | $27 | 0.08% |
| JOHN E CARTER III3 | 902 MEADOWS CT PINE MOUNTAIN, GA 31822 | AFLAC | $27 | — | $27 | 0.08% |
| REYNOLDS S. CHENEY III3 Filed as: REYNOLDS S CHENEY III | 1510 CHEROKEE AVE COLUMBUS, GA 31906 | AFLAC | $27 | — | $27 | 0.08% |
| SAIC INC3 | 1639 BRADLEY PARK DR COLUMBUS, GA 31904 | AFLAC | $24 | — | $24 | 0.07% |
| JOHN D BECK3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $24 | — | $24 | 0.07% |
| CHAMCO LLC3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $20 | — | $20 | 0.06% |
| MARY J HALL3 | 1001 OAKVIEW AVE APT 30 COLUMBUS, GA 31906 | AFLAC | $19 | — | $19 | 0.05% |
| DEREK R MANN3 | 155 LEE ROAD 2213 SALEM, AL 36874 | AFLAC | $13 | — | $13 | 0.04% |
| JAMES STANLEY ALLEN3 | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $12 | — | $12 | 0.03% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $8 | — | $8 | 0.02% |
| WILLIAM L AMOS & CO INC3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $8 | — | $8 | 0.02% |
| J STAN ALLEN INC3 | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $5 | — | $5 | 0.01% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID MORNINGSTAR3 Filed as: DAVID G MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $4 | — | $4 | 0.01% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCONEE WOODS TRL SHARPSBURG, GA 30277 | AFLAC | $2 | — | $2 | 0.01% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| C R RAMSEY POTTS3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOPPSONS STATION, TN 37179 | AFLAC | $1 | — | $1 | 0.00% |
| JEREMY A FELDMAN3 | 11337 NEWPORT BAY DR BERLIN, MD 21811 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 1825 BARRETT LAKES BLVD KENNESAW, GA 301440000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 1825 BARRETT LAKES BLVD KENNESAW, GA 301440000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 1825 BARRETT LAKES BLVD KENNESAW, GA 301440000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 250 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 250 | $2.0M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 250 | $2.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $50K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $25K |
| Other(2 contracts, 2 carriers) | AFLAC | 47 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.